Individual Retirement Account [IRA]

Traditional, Roth, and Coverdell ESA accounts are available for your future saving goals. IRA contributions may be tax deductible or tax deferred (ask your Tax Advisor for information). Dividends are paid quarterly.

Important Member Notice:

Mountain Credit Union wanted to make IRA account owners aware of a change in the IRS interpretation of an IRA Rollover rule that took effect on January 1, 2015 that may affect you!  Before 2015, IRA owners were allowed to do one IRA-to-IRA rollover per IRA that they owned.  Now, you are allowed only one tax-free IRA rollover within a 12-month period, regardless of the number of IRAs you own.  As an alternative to rollovers, you can request an unlimited number of Trustee-to-Trustee Transfers.  We have a brochure available, upon request, that can help you understand the differences in an IRA Transfer and an IRA Rollover.  Please call us and we’ll be glad to help you with your transfer or rollover needs!

Individual Retirement Account [IRA] Brochures
 Coverdell Education Savings Accounts
 Conversions:  Moving Into A Roth IRA
 Health Savings Accounts - Balancing Rising Health Care Costs
 IRAs - Growing Your Savings During Every Stage Of Life
 Retirement Plan Rollovers - Rolling Your Way To A Better Retirement
 Roth IRA vs Traditional IRA - Taking A Closer Look At Eligibility
 Roth IRA vs Traditional IRA - Exploring Your IRA Options
 Roth IRAs - Answers To Your Questions
 Simplified Employee Pension Plans - Securing Retirement One SEP At A Time
 Traditional IRAs - Answers To Your Questions
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